信贷资产质量不高，不良资产呈逐年上升趋势是困扰农村信用合作事业发展的一大难题，如何防范和化解不良资产，是农村信用社改革与发展中亟待解决的首要问题。不良资产的形成固然受企业经济效益不佳、社会信用下降、行政不当干预等外在因素的影响，但根本原因还在于农村信... The quality of credit assets is not high, the rising trend of non-performing assets year after year is one of the major problems plaguing the development of rural credit cooperatives. How to prevent and resolve nonperforming assets is the most important problem to be solved urgently in the reform and development of rural credit cooperatives. Although the formation of non-performing assets by the poor economic efficiency of enterprises, social credit decline, improper administrative intervention and other external factors, but the fundamental reason lies in the rural letter ...